Opinions on strengthening telephone return visits for new business orders of personal insurance companies

In the past year, xx Insurance xx Company, under the correct leadership of the provincial and municipal companies and relying on the unremitting efforts of all employees of our company, the company's business has made breakthrough progress, taking the lead in the province to break through the premium income of 10 million yuan close. This year, our company completed the full-year marketing tasks assigned by the provincial company two months in advance, and all work developed healthily and smoothly. Next, combined with my specific work in charge, I will talk about the achievements and shortcomings of this year.

1. Work Thoughts

Actively implement a series of important instructions from provincial and municipal companies on the development of the company, keep pace with the times, work diligently, be pragmatic and effective, strive for the first class, and lead all departments Employees closely focus on the center of "based on reform, accelerate development, serve sincerely, and improve efficiency", further change their concepts, reform and innovate, face the increasingly fierce competition in the Linyi insurance market, strengthen core competitiveness, carry out diversified operations, and through hard work With hard work and hard work, the company has maintained a good development momentum and made due contributions to the sustainable development of xx Insurance Company.

Strengthen learning in all aspects and strive to improve their professional quality and management level. As a leading cadre, I shoulder the important responsibilities and missions assigned by superior leaders and all employees. I need to implement the company's business principles and policies. Therefore, I strongly believe that the copyright of this material belongs to the Secretarial Resource Network. Copying and plagiarism are strictly prohibited and I focus on the study of insurance theory and the cultivation of management capabilities. Pay attention to using scientific methods to guide your work, standardize your words and deeds, establish a strong sense of responsibility and professionalism, and constantly improve your business capabilities and management capabilities.

Continuously improve the overall quality level of the company's business personnel. Over the past year, I have been focusing on cultivating the business quality of exhibition personnel as an important part of team building, and have implemented targeted training plans with the manager's office to strengthen the construction of the leadership team and employee team.

2. Business Management

“There is no rule without rules.” In order for a company to develop steadily, it must formulate regulations and strengthen management. Management is an investment, and this investment will definitely produce benefits. I am in charge of business work, and I need more benefits from management. Only by continuously improving various management systems and methods and truly implementing them into actions can we achieve results and see benefits. In business management, I mainly did the following work:

1. According to the annual sales tasks assigned to us by the city company, formulate weekly, monthly, quarterly, and annual sales plans for each department. When making plans, we should be realistic and realistic, and determine reasonable and achievable goals for each department based on the characteristics of each insurance type, customer characteristics, and department conditions. After the goals were determined, I followed the policy of "implementing everything and supervising everything" and ensured the smooth completion of the target plans of each department by strengthening process management and monitoring.

2. As the manager in charge of business, I pay great attention to team building in each business department. We have always paid attention to the ideological and professional quality education of department managers and department members. Over the past year, I have organized many situation mobilization meetings, business seminars, carried out business training activities, organized everyone to learn knowledge and find experience, and improve the overall quality of employees. The training focuses on learning insurance theory and business development skills, and emphasizes the cultivation of team spirit. Learning promotes the continuous improvement of each team's own quality and lays a solid foundation for the company's sustained and stable development.

3. Help the manager’s office comprehensively promote the innovation of the compensation system and continuously consolidate the company’s basic management work. Establish a salary system reform linked to positions and performance. This year, I will comprehensively promote the reform of the enterprise's salary system by focusing on the "four modernizations" goals of job clarification, salary socialization, bonus performance-based and welfare diversification. We have initially established an employment mechanism that allows employees to move up and down, come in and out, and fully stimulate employees' enthusiasm and creativity.

3. Responsible work of the department

In addition to business management, I also serve as the manager of the Marketing Department. There is only one salesperson in the marketing department, and my business is mainly for large customers. My big client business is mainly from investment companies. According to the characteristics of the company's fleet, on the basis of the original vehicle insurance, I first launched freight insurance for commercial trucks in the city. The introduction of cargo insurance not only provides customers with safety protection but also increases the company's premium income. It can be said that it kills two birds with one stone. After unremitting efforts, our department completed premium income of xxxx yuan throughout the year, including auto insurance premiums of xxxx yuan, non-auto insurance business xxxx yuan, and the maturity payout rate. Become an important guarantee for the company's development.

4. Shortcomings in work

Due to the numerous tasks and the large number of tasks in charge, sometimes mistakes are inevitable while busy. For example, sometimes the service is not timely, the statistical data is biased, etc. Sometimes I feel impatient at work, and sometimes I am eager for success, which affects the progress and quality of my work; I am still not able to handle some work relationships with ease.

In short, over the past year, I have been strict with myself, self-denial, and used my own leadership to improve employees' awareness in thinking, and implemented strict system standards in action. Under my leadership, the company's employees have Taking continuous development and construction as its own responsibility, taking "integrity first, stable operation, value first, and serving the society" as its business purpose, we are determined to reform, continue to innovate, and standardize operations, and have achieved great results.

The new year is coming, and the competition in the insurance market will become more intense. If the company wants to continue to maintain a good development trend, it must further emancipate its mind, update its concepts, break through itself, and gradually increase its marketing efforts. . In the new year, I will meet the challenges of the future with full passion and a hundredfold confidence, and take my job to a new level. I believe that under the correct leadership of the superior company and with the joint efforts of all employees, working together as one, working together, and working hard, our company will be able to create more brilliant achievements.

2004 is the first year after the joint-stock reform and listing of PICC Property and Casualty Insurance Company. This year was a year in which our company faced pressure and overcame difficulties. It was the first year in which we faced new changes, implemented new mechanisms, and implemented new regulations. Under the correct leadership of the Party Committee and General Manager Office of the Municipal Branch, and with the hard work of all employees, our company has achieved certain operating results.

In 2004, our company actually collected gross premiums of **** million yuan, a year-on-year increase of *%. We have earned net premiums of **** million yuan, net profits of **** million yuan, and the compensation rate is * *%. Completed the task indicators assigned by the superior company well.

1. Focus on goals, implement plans, and focus on business work

1. Plans are implemented early and measures are implemented

At the beginning of 2004, our manager’s office focused on ** Comprehensive analysis of the changes in the regional insurance market and the annual premium income in 2003, decomposing the various indicators assigned to our company by the superior company, decomposing the plan into monthly plans, monthly inventory, monthly implementation, effective Ensure timely monitoring and adjustment of plan implementation.

When formulating the annual tasks, we fully consider the optimization of insurance structure and business underwriting quality, further clarify the assessment methods, and use the comprehensive loss rate as an important data for year-end evaluation.

2. Seize the auto insurance market, increase the development of new projects and new projects, and resolutely discard "junk premiums"

This year, we will stabilize auto insurance and corporate property insurance, Expanding the new car market and new engineering and new projects is the top priority of business work. On the basis of grasping the number of business, resolutely discard the "junk" business that has repeatedly insured and suffered losses

First, ensure the renewal business In order to withdraw money promptly, we require each business department to report the renewal business account on a monthly basis, which will be supervised and assessed by the manager’s office, and we also require early intervention in public relations. Once a de-reporting occurs, it will be announced immediately throughout the company, and other personnel can participate in the competition, thereby consolidating the original business, greatly reducing the loss of business, and ensuring the market share of the main insurance types. The second is to establish a contact network with relevant local government departments, learn in advance the list of new projects and projects, and establish friendly cooperative relations with traffic police departments and car dealers, and ask them to help us collect and provide new car information, and evaluate potential new businesses. , be well aware of new markets, fully grasp the market initiative, and make up for business instability caused by competition and other objective reasons. The third is not to give up the lost business. Not only did we make the business ledger of 2003 clear and detailed, but we also required the back office to list the details of the business lost during the business expansion in 2003 and break it down to relevant departments. We also requested that we increase public relations efforts to find out the reasons for the loss of guarantee and ensure that If it is a discontinued enterprise or resells scrapped vehicles, the person in charge must provide definite proof; if it is a loss of competition, we will never passively withdraw, but take the initiative to attack, visit to listen to opinions and suggestions, improve service methods, make breakthroughs one by one, and comprehensively strive for return. The fourth is to focus on both big and small, and if we can, we will do so. Factors such as corporate restructuring, production change, and capital have had a greater impact on corporate property insurance. In addition, competition and other factors have greatly increased the difficulty and cost of business development. In response to these situations, we fully mobilized, unified our thinking, formed a joint force from top to bottom, and faced the difficulties.

Ensure that the responsibility is assigned to each person, and the manager in charge will intervene and coordinate public relations for insurance premiums of more than 50,000 yuan.

3. Survive in competition and promote development in competition.

There are currently 10 companies in the ** region (China Property & Casualty Insurance, China Life, Pacific Property & Casualty, Pacific Life, China Property & Casualty, Ping An Property & Casualty, Ping An Property & Casualty, Tianan Property & Casualty, Winbond Agent, HSBC Agent ) Insurance companies, marketing departments, and agencies that operate property insurance business and short-term health insurance business. Another company (big real estate insurance) has been found to compete for business in our county. However, the population in ** area is small and the scale of enterprises is small. Our company Facing the business pressure brought by external competition, we remained calm, objectively faced the reality and sought countermeasures, and launched a brand war and service war with our competitors: First, do a good job in the main leadership work of the local government. The company manager's office has reported work to the main leaders of the county party committee and county government many times, highlighting how our company has increased support for local economic construction and how it has worked around the local government center. Our company has actively participated in the National Entrepreneurship Survey activities, and visited individual and private economic enterprises with county leaders. Not only did the county party committee and county government express their satisfaction with our company's enthusiastic participation in local government work, but they also expressed their appreciation for our company's correct adjustment of business development direction, providing insurance protection to small and medium-sized enterprises, and proactively serving the They give affirmation. It truly made the county party committee and county government feel that PICC Property & Casualty Insurance Company sincerely serves the local government and is worthy of support, trust and help, thus giving a great preference to our company's work. The second is to go deep into old customer companies, hire information officers and liaison officers in customer companies, and recruit business leaders from other insurance companies to join our company, win "return" business, and make the work of other insurance companies passive. Third, the service is more humane and intimate. At the beginning of the year, members of the company's management office implemented a contracting system for the key enterprises in the county's major systems and conducted multiple return visits, asking them to provide opinions and suggestions on our company's work. This move has been well received. They believe that the company leaders' proactive visit to the door is a full reflection of the high-quality services of PICC Property and Casualty Insurance Company, which makes customers have more trust in our company. The fourth is to require all middle-level cadres to go out of the office, visit all small and medium-sized enterprises in person, explain the terms and commitments to all new insurance customers in person, maintain constant contact with enterprises, implement zero-distance contact, and be on call whenever customers need it. to provide all aspects of services. Fifth, in accordance with the commitment to serving the society and industry bans, strict internal management and control will be implemented, and the two major service departments of claims settlement and underwriting will be used as the entry point to comprehensively improve the company's overall service level.

4. Use decentralized business as a breakthrough point to increase market share

Based on the source protection situation at the current stage of **, at the beginning of the year, the manager’s office conducted careful analysis and research and determined that this year We will focus on motorcycle insurance, home property insurance, students and personal accident insurance as sporadic insurance this year. First, contact the traffic police and city law enforcement departments and ask them to help us with the motorcycle insurance business. At the same time, we will get in touch with the county education committee, which has many team members. We coordinated with the deputy county magistrate in charge of education and the director of the Education Committee for the first time, and finally gained their trust, which enabled us to make a breakthrough in our school insurance business.

5. Carry out labor competition to promote the healthy growth of the "two insurances" business

Since this year, we have actively cooperated in the first quarter of the "Sustainability" program in accordance with the relevant competition requirements of our superior company. New Year insurance, "Happy Family", "Family Fun" and other labor competition activities, and organized surprise activities such as motorcycles, liability insurance, accident insurance, etc., thus creating a healthy and lively business where you chase after each other and unite and forge ahead. development atmosphere. Especially in the "Happy Family" campaign carried out at the end of the year, our company withstood the decline in home property insurance and the disadvantage of low insurance resources at the end of the year, reasonably decomposed the goals, implemented them layer by layer, put pressure on ourselves, and focused on enterprises, institutions, and individual families. , stroke by stroke, piece by piece, and finally exceeded the tasks assigned by the city company with a good score of 140%.

6. Pay close attention to improving the quality of claims settlement and disaster and loss prevention. The company starts by paying close attention to the survey rate of the first site and adheres to the principle of seeking truth from facts and being "quick, timely, accurate and reasonable". As long as we receive a report, no matter how big or small the accident is, no matter day or night, we will always rush to the first scene, grasp first-hand information, strictly follow the quick compensation process, and provide customers with the convenience we can. First, we insist on two-person inspection, two-person loss assessment, cross-commitment, limited time compensation, and continuously improve service quality; second, we adhere to the 24-hour duty system and actively participate in the construction of the "three centers" to further improve service levels; third, we strengthen assessment, Increase supervision efforts.

Once various problems that arise during the claim settlement process are verified, we will criticize and educate the minor ones, and deal with the serious ones seriously, and will never tolerate them; fourth, we must actively do a good job in disaster prevention and loss prevention. Under the responsibility of the leaders in charge, the prevention and management department proactively contacted various business departments and promptly formulated disaster prevention and loss prevention work plans for major customers, summer flood prevention safety inspection methods, and winter fire and explosion safety inspection methods, always grasping and intervening in advance , actively work with relevant business departments to inspect and implement the implementation of the plan, and take timely measures for possible problems to reduce losses and enhance the ability to prevent risks. We have visited key customer units such as ** Paper Industry, ** Pharmaceuticals, and ** Company with potential safety hazards to help rectify the hidden dangers and formulate disaster prevention plans. This has been well received by customers and has achieved good social effects.

2. Adjust business ideas, strengthen innovation awareness, and improve the company's efficiency level

This year, while focusing on benefit-oriented insurance business, our company has carefully sorted out the "junk" business and reviewed the previous years' Disadvantaged insurance types with a loss rate higher than 100% will be resolutely abandoned, and insurance types with a higher loss rate but still some profit margins will be selectively underwritten. Last year, the loss rate of our agricultural insurance and livestock industry insurance was as high as 106%. Considering the overall situation, our company resolutely suspended the development of this insurance type. Corporate package insurance has business risks such as low premiums, large coverage, and high insurance amounts, especially in the event of floods and theft, which often result in higher compensation rates. Our company underwrites this insurance based on efficiency. The scope and coverage conditions are strictly limited. While focusing on the development of the benefits of various insurance types, we have changed our previous business practices. Factory auto insurance business is our company's renewal business, and the renewal time is September. However, this year many insurance companies are eyeing this business and stepping in to compete. In an attempt to share the market share, our company decisively renewed the policy in advance to ensure that it was safe, catching other insurance companies off guard and stabilizing the development of the business. **The insurance business of Paper Co., Ltd. has always been in our company's pocket. The renewal is in November. The company manager knows that if the insurance is renewed in advance, it will not only lose tens of thousands of yuan in insurance premiums that year, but also increase the cost in the second half of the year. However, in order to make up for the business gap caused by discarding "junk" insurance in the first half of the year, better adjust the sequential business structure, and realize more net premiums earned, we decided to renew the company's insurance business in advance. These tasks of our company are bold attempts to adapt to the development needs of the new situation in business operations after the reform of the joint-stock system, and they are also experimental ideas to change our thinking.

It is precisely because our employees have the courage to take on heavy responsibilities, are good at using their brains, fully mobilize their enthusiasm and creativity, and ensure that everyone has a burden and everyone is responsible. Therefore, in the strong external competition, our company has In the first half of the year, we not only did not lose any ground, but also consolidated our position as the leader in the property and casualty insurance market and achieved a breakthrough in new business.

3. Use new assessment methods to guide work, standardize operations, improve management levels, and highlight business priorities

It is an indisputable fact that insurance competition is becoming increasingly fierce. In addition, after listing, The new situation, new system, new model and new strategy will inevitably require us to comprehensively improve the level of company management, how to learn to compete in competition, to dominate in competition, so as to develop in competition and advance in competition. In addition to continuing to consolidate and adopt effective methods in the past, our company has gradually established a county-wide enterprise information network, strengthened contact and communication with policyholders, and improved the company's management level. In the first half of the year, we introduced and adopted a scientific management system in accordance with the relevant regulations of the superior company, and issued a series of management rules and regulations and assessment methods. In daily management, they can conscientiously and strictly follow the "Financial Management Regulations", "Document Management Regulations" and underwriting related regulations of the superior company, actively and effectively carry out work, strictly control and review carefully. It is precisely because of their responsible work attitude that they can Our company has been well received by the municipal company in many inspections such as special inspection of business ledgers, document management acceptance, document binding, and premium receivable management organized by the superior company.

This year, when issuing the annual task plan, the company's manager's office followed the company's operating performance assessment principles of highlighting benefits first and long-term profitability evaluation, and worked hard to implement the transformation from scale-based development to efficiency-based development. , intensified the assessment of loss ratio and expense indicators, adhered to the low-cost development path, linked the assessment of loss ratio with underwriting quality, completely broke the old thinking of "only focusing on premiums, not quality", and implemented a new assessment mechanism , use half of your personal salary as the floating salary for this assessment, and achieve rewards and penalties. This has well established the concept of focusing on business efficiency among all employees, ensuring the effective allocation of resources and the improvement of profitability.

4. Carry out in-depth creation activities and comprehensively shape the company’s external image

1. Strengthen ideological and political education activities. In the process of spiritual civilization construction, our company has always put the ideological education of party members and cadres at the top of the work, so that learning is systematic, planned, recorded and communicated. We adhere to the daily study of the party organization under the leadership of the central group. Since this year, we have studied the "Two Regulations" and the spirit of the Third Plenary Session and the Fourth Plenary Session of the 16th Central Committee of the Party. Through study, we have further corrected and improved the leadership team Thoughts and understanding enhance political acumen.

2. The construction of party style and clean government has achieved fruitful results. Our company has always focused on the construction of a good party style and political style, holding regular democratic life meetings, advocating the establishment of a democratic, united, positive and progressive leadership team, implementing a relative avoidance system at work, and actively paying fees to the finance for personal use of vehicles. , official entertainment implements a management system of “first approval, then registration, then execution” to ensure a detailed clean government account.

3. Stabilize the workforce. In 2004, the company implemented a new salary system, which caused a certain degree of turmoil among the grassroots companies. Members of our manager's office considered the overall situation, talked to employees one by one, and did a lot of work to ensure the stable and development of the company's business. Stability creates conditions.

4. Actively carry out activities to create civilized units. At the beginning of the year, our company once again won the honorable title of Jiangsu Province Integrity Unit and ** City Civilized Unit. In order to maintain the honor, our company continued to carry out in-depth soft environment construction and made a public commitment speech on TV and radio stations, "** Information" The content of the commitment was published, and a symposium of soft environment supervisors was held at an appropriate time to solicit opinions extensively. We also pay attention to publicity work. We have opened a series of columns "Into ** PICC Property and Casualty Insurance" in the "Radio and Television News ** Special Issue", and continuously place mobile subtitle advertisements in the station waiting hall, "Broadening the Road to Enterprise Development with Integrity" "Newsletters such as "** Daily" were adopted by "** Daily", and "** Branch Company Seizes the Opportunity of Annual Vehicle Review to Promote New Auto Insurance Rates" and other news were exchanged on the provincial company's intranet.

V. Existing problems

1. The company is tired of market competition and business development, and has relaxed its focus on theoretical learning and business learning.

2. Faced with the pressure of strong market competition, some comrades are afraid of difficulties, and a small number of employees are mentally inert and lack foresight in market development. They rarely take the initiative and are often beaten passively. This resulted in the loss of a small amount of business.

VI. Basic work ideas in 2005

With market changes and fierce competition, as far as ** is concerned, in order to firmly grasp the market initiative, we must strengthen competition. The strength of the market and the speed of seizing the market.

First, change the ideological concept, actively adapt to the new management model and business development model after the joint-stock reform, continue to strengthen the education of competition awareness and crisis awareness, strengthen and apply data management, introduce incentive mechanisms, and comprehensively mobilize employees' Positivity and initiative.

The second is to correctly handle the relationship between scale and efficiency, current and long-term, bigger and stronger, strengthen overall public relations efforts, focus on business underwriting quality, and select and occupy the market with the fastest speed and best quality.

The third is to continue to strengthen communication with the public security, traffic police, education, health and other departments, seek their assistance, and strive to increase the underwriting rate of five small vehicles, school insurance, campus liability insurance, and medical liability insurance .

The fourth is to strengthen claims services. Efforts will be made to increase the on-site inspection rate, adopt humanized services, treat customers differently, speed up claims settlement, improve service quality, and improve the external business environment.

5. In view of competition, pay close attention to the development measures of the same industry, increase public relations efforts, adopt active and effective methods to participate in competition, consolidate the market share of original insurance types, and actively expand new businesses and new insurance sources.

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